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Letter portraitLegal landscapeQuarterYTD

First State Bank of Round Lake

Round Lake Beach, IL · Cert 16884

FDIC

Q3 2005

$135.1MAssets
$65.4MLoans
$110.8MDeposits
$22.0MEquity
Loan mix
82%RE $23.3M18%C&I $5.2M0%Consumer $0.0MQ3 2004Q3 2005
Deposit mix
90%Interest-bearing $99.6M10%Noninterest $11.3MQ3 2004Q3 2005

NIM

5.00%Q3 ’033.59%Q3 ’044.33%Q3 ’05-19%+3%

Non-interest income vs. expense

3.49%Q3 ’032.87%Q3 ’042.26%Q3 ’05-13%-24%

Executive Summary

  • Earnings: ROA of 0.87%, up 35 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Funding: loans stand at 59.03% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.87%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+9 bps YoY

Efficiency Ratio (YTD, annualized)

54.13%-1,775 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.52%0.54%1.34%1.00%0.87%+35 bps
Return on Equity3.50%3.51%7.98%6.01%5.26%+176 bps
Net Interest Margin2.96%2.93%3.91%3.40%3.06%+9 bps
Efficiency Ratio71.88%71.03%43.78%51.14%54.13%-1,775 bps
Non-Interest Burden2.34%2.28%1.82%1.87%1.78%-56 bps
Growth
Asset Growth (YoY)20.00%20.79%1.97%2.98%0.73%-1,928 bps
Loan Growth (YoY)1.37%-1.27%0.94%-6.39%-7.07%-845 bps
Deposit Growth (YoY)7.98%8.48%1.66%3.35%0.92%-706 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%-0.22%-0.12%-0.08%-9 bps
Allowance / Loans1.13%1.13%1.18%1.29%1.28%+14 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.45%11.51%12.38%13.14%13.27%+82 bps
Equity / Assets16.27%16.60%17.06%16.35%16.29%+2 bps
Liquidity & Funding
Loans / Deposits64.11%65.89%67.83%59.15%59.03%-508 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a